Yehia Mohd Abdulla Khalifa
Citizenship : Egyptian ▪ Date of birth : 22 June 1954
Contact Info
Tel : 050-6517061 /055-7055507 e-mail : yahiaabdulla@yahoo.com Address: P.O Box 30286 Dubai, UAE
Key Skills
Comprehensive understanding of Shari’a standard of AAOIFI.
Proficient in applying Shari’a concepts in bank’s processes.
Full awareness of the needs of Islamic banking.
Working knowledge and capability in Microsoft Products – Word & Excel.
Languages
Arabic (Native) English (Fluent) French (Basic Conversational)
Education
1976 Bachelors in Commercial Science - Accounting Cairo University
Economic Development Diploma – Cairo University. ( 1978 )
Work Experience
Emirates Islamic Bank
Senior Team leader 1 - Sharia Audit
Jan 2009 to Jan 2012
 Providing Sharia guidance on day –to-day matters to the Management, staff , and concern departments
and supporting unites.
 Receive and respond urgent queries.
 Responding to customer queries .
 Legal & Sharia Compliance Review of the documents:
 Prepare Sharia Audit Program. & Execute Sharia Audit Plan
 Prepare Sharia Audit Report (Vehicles Murabaha, Goods Murabaha, Services Ijarah, Credit Cards, Home
Finance).
 Discuss the Audit findings with the concerned individuals & departments
 Present Sharia Audit Report to the Sharia Board
 Prepare Annual Sharia Audit Report
 Review the Mudaraba profit distribution
 Follow up of Late Payment Charges
 Participate in new products structuring and documentation
 Preparing Sahria Inquiries.
 Coordinate with the divisions of the Bank, receive critical issues and discuss with the concern division.
 Prepare Training Plane.
 Conduct public awareness programs about Islamic banking.
 Leading and setting the audit mission and assigning them to auditors on a timely basis.
 Ensure audit observations in all banks are performed as per sharia rules and standards.
 Supervising audit customers’ complaints and the exceptional cases.
 Visit the bank's branches to guide their staff how they can avoid the audit observations.
 Analyzing the productivity report of the audit department.
 Training and development of auditors in the audit field.
Assistant Manager – Sharia Audit Dept.
June 2006 to Jan 2009
 Completing the audit mission assigned on timely basis in accordance with the department standards.
 Prepaid professional audit report on retail banking products, corporate products, real estate and Wakala
Murabaha.
 Ensure audit observations raised are justifiable valid and as per sharia rules and standards.
 Analyze and audit customers complains and the exceptional cases to prepare sharia enquiry.
 Design the check list of all products.
 Visit the bank's branches to guide their staff how they can avoid the audit observations.
 Develop and support the capabilities of junior auditors.
 Preparing the productivity report of the audit department.

Work Experience
Team Leader – Retail Banking– account manager Dec 2004 to May 2006
In charge of Islamic RTB (financing by the mode of Murabaha and Ijarah services
.
Emirates International Bank
Senior Officer May 1996 to Dec 2004
 Taking over responsibilities of in-charge of Retails Banking.
 Open and maintain customer loan accounts and disburse loans.
 Taking over responsibilities of In-charge of Recovery team.
 Marketing the banks products and services, to existing and new customers.
 Efficient handling of complaints and problematic cases.
 Instituting civil suits through the advocate office.
 Daily checkup of release letters, repossession order and criminal Cases.
 Handling annual report of budget and doubtful accounts and provisions (central bank + Head office).
 Maintain contacts with various government departments & other corporate customers of the branch with
view to expanding PILS /IC business base and submit call report to branch manager.
 Attend to VIP customers of the branch and ensure high quality of service provided.
 Carried out various surprise check functions (Branch cash/ ATM Cash / commercial credit documents) of
the branch.
Branch Manager, (Cairo, Egypt) May 1992– May 1996
 Look after Cairo branch operation during the closing of the branch.
 Follow up on bad and doubtful debt.
 Follow up on Tax cases.
 File civil suits against defaulters.
Ministry of Labor & Social Affairs .
Accountant – Head section Sep 1977 – Apr 1992
 Payroll accountant (1977-1981)
 Auditor payroll debt(1981-1985)
 Auditor Gen. Expenses debt(1985-1988)
 Auditor Social Insurance Dept.(1988-1990)
 Head Section of Internal Audit Dept.(1990 – 1992)
Training
Apr 1993 Interactive Management Skills
Mar 2004 Islamic Financial concepts, Fundamentals of Islamic
Banking, Murahaba Financing model.
Mar 1994 Advanced Techniques Of Credit Risk Assessment .
Dec 1994 Effective Supervision and Team leadership
Jun 1995 Advanced Financial Statement Analysis Performance Management
Sep 1997 – Jul 1998 Intermediate Business English 1 – 2 – 3

Aug 1998 Action Cantered Leadership
Sep 1998 – Nov 1998 PET Prep Course.
Apr 2004 Financing through Murahaba Contracts, Bank Operating Systems, Bank Asset Products
May 2004 Project Financing by modes of Musharakah, Currency Exchange training
July 2004 Letter of credit in Islamic Banking
Aug 2004
To Mar 2005 Attending 14 courses in Islamic bank products with Dr. Husain Hamed.
(Corporate products - Funds – Salam – Lg - Lc - Retail Bank Products-
Car finance – goods Murabaha – Modaraba – house finance )
References
Dr. Hussein Hamed Hassan (Dar Al Shari’a) Tel: 050 6574664